| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTIAN J PLASMAN3 | 628 GREEN VALLEY ROAD STE 306 GREENSBORO, NC 27408 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $85K | — | $85K | 1.63% |
| MOUZON BASS3 | 6138 MEADOW ROAD DALLAS, TX 75230 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62K | — | $62K | 8.99% |
| JAMES A SCOTT & SON INC3 | 1301 OLD GRAVES MILL ROAD LYNCHBURG, VA 24502 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 4.16% |
| EBENCONCEPTS COMPANY3 | 5050 SPRING VALLEY RD DALLAS, TX 75244 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $4K | $35K | 12.07% |
| JAMES A SCOTT & SON INC3 | PO BOX 603438 CHARLOTTE, NC 28260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $2K | $19K | 6.42% |
| JAMES A SCOTT & SON INC3 | — | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $10K | — | $10K | 12.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 596 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,152 | $5.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 678 | $693K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 464 | $80K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 678 | $693K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 659 | $291K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 678 | $983K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | 1,152 | $5.2M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 678 | $693K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,152 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.